AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.

Plains Commerce Bank is a bank which history goes back as early as 1931. Plains Commerce determines its mission as "to provide customers with quality service and traditional banking products by linking the values of the past with the ideas and technology of the future". Since 1987 Plains Commerce Bank has been issuing secured and unsecured VISA® and MasterCard® credit cards. Two of unsecured credit cards issued by Plains Commerce Bank were popular among customers with bad or no credit - Total Visa Card and Access Visa Card. They provided instant online decision, easy approval and monthly reporting to all 3 major credit bureaus, which gave holders of Total Visa Card and Access Visa Card an opportunity to build credit or rebuild damaged history, even though they had a low spending limit, considerable monthly fees and high interest rates. Total Visa Card and Access Visa Card from Plains Commerce Bank are no longer being issued to new cardholders. Yet even you have bad credit or no credit, today you have a wide variety of options that can help you improve or build your credit

Building Credit or Improving Damaged Credit Score

If you are looking for ways to improve your credit or build credit history, you are already aware of the importance of doing it.

Indeed, your credit report is the information lenders use to form their opinion of you. Whether you get approved or not and on what terms (your APR, interest rates on purchases, balance transfers and cash advances, annual fees, spending limit, etc.) will depend on your credit score. The higher your credit score is, the lower the interest rates will be and better the overall terms. Your credit history is also reviewed when you buy insurance; your rate and premiums will also be influenced by your score. Sometimes credit report is pulled out when you apply for a job or want to get housing.

If you work to build credit history or improve damaged credit you win respect with lenders and qualify for more advantageous terms on your credit cards and mortgages. Establishing new credit or improving your credit score starts with choosing the right credit card. Make sure it regularly reports to credit bureaus, pay to all creditors on time, keep credit utilization ratio low and it won't take long for you to enjoy results of responsible behavior.

Credit and Prepaid Cards for Bad Credit and No Credit

Even if you have bad credit or no credit history you can qualify for regular credit cards, secured or prepaid cards. If you are not sure which is best for you, first you need to understand what your needs are.

Prepaid debit cards are comprehensive payment tools, secure and convenient. No exorbitant interest rates, no overdraft and late payment fees, 100% guaranteed approval for all (even with no credit or bad scores). Set up a free direct deposit of your paycheck or government benefits, or just load cash on it and shop online, arrange hotels, airfare or car rental for your next trip, conveniently pay bills and save on fees. There is no risk of accumulating debt. And you can even build credit and make short-term loans with some of the best prepaid debit cards.

Credit cards for people with bad or no credit monthly report to major credit bureaus which helps to build or improve credit faster. But you need to make sure you pay on time to all your creditors and do not exceed your credit limit. If you do not pay balance in full every month, there'll be interest charges and they are usually pretty high for customers with bad or no credit history. Credit limit is also often very low and you need to be careful - around 30% of your credit score is determined by how much of extended credit you use.
Compare our best applications for no or bad credit, choose what is best for your individual needs and habits and apply online.

Immediate Credit Card Care Service

If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.

Answer:
To qualify for a credit card you should be at least 18 years old, some issuers approve starting from 21 years old though. Also, you should have a stable income and the credit card issuer may check your employment.
You can use our credit score estimator to see your approximate credit score and the credit cards you can apply. Or you can wait until you are a student and apply for a student cre...

Answer:
Since your credit is bad, you won’t be able to get a credit card with 0% intro APR on balance transfers. Also, the credit card issuers may not approve you for a credit card even with the minimum line of credit. You can try getting a personal loan though. Some lenders allow co-applicants, which will increase your chances to qualify.
Also, we would recommend you to pay off the credit accounts...

AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.

All the credit card information presented without warranty and can change. To confirm the terms and conditions click the "Apply Now!" button and review the current information on a secure credit card terms page. AcclaimVisa.com can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The acclaimvisa.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. acclaimvisa.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the acclaimvisa.com website are property of their respective owners.